BetterBudgets: Budget Planner
Debt payoff plans. No bank.
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
BetterBudgets 4.0 is here: a rebuilt Budget Builder, a new Analyze dashboard, Coming Up, Canvas, a redesigned Archive and Library, and a currency converter.
Budget for Tomorrow, Today.
BetterBudgets is a personal finance app built around one idea: your budget should work toward your future, not just track your past.
Most budgeting apps connect to your bank and show you what you've already spent. BetterBudgets is different. You enter your income, bills, and debts, and our algorithm builds up to 5 personalized budget plans, projecting your financial future up to 10 years out, in under 10 seconds.
No bank account access. No syncing. No privacy risks.
HOW IT WORKS
Our hand-built algorithm uses your real numbers to generate multiple payoff scenarios side by side. See exactly how much sooner you could be debt-free if you redirect just a little more each month. Pick the plan that fits your life and follow it paycheck by paycheck.
This is Future-Based Budgeting: a method designed to help you stop reacting to your finances and start planning toward a goal.
WHAT YOU GET
• Up to 5 personalized budget plans, generated in seconds
• Paycheck-by-paycheck breakdowns: tick off bills as they land
• Coming Up: the next bills across the checks ahead, so nothing lands by surprise
• Debt payoff timelines up to 10 years out
• An Analyze dashboard: income, expenses, net worth and savings over time
• Every financial calculator you need: early mortgage, auto loan, student loan, debt payoff, consolidation, 401K, emergency fund, and more
• Canvas: freehand your financial ideas, with a calculator built in
• A Budget Archive that keeps every plan you've ever built
• A Library of guides, articles, and video series
KNOW BEFORE YOU COMMIT
Thinking about a big purchase? Add it to your budget and see exactly what it does to your plan before you sign anything.
YOUR DATA STAYS YOURS
BetterBudgets never asks for your bank login, SSN, or credit card. We collect only what you enter manually. Your financial data is not sold, shared, or used for advertising.
FREE TO START
Download free and build your first budget today. The Free plan includes the Budget Builder, paycheck-by-paycheck tracking, core dashboard tiles and charts, every calculator, and the Library.
Upgrade to Thrive for every plan the Builder generates, the reasoning behind your recommended plan, the full Analyze dashboard, editing amounts as you go, your whole Archive with restore, and Canvas.
BetterBudgets. Built for where you want to go.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.betterbudgets.io/privacy-policy
BetterBudgets 4.0 — the biggest update since launch.
BUDGET BUILDER, REBUILT
Income, housing, expenses and debts on one flowing page, with your running net at the top so you see what every change does as you type.
RESULTS
Up to five plans side by side, each with the date you're debt-free, plus a recommendation and notes on how your budget was built.
HOME
• Track: the paycheck in front of you, with bills to tick off as they land
• Coming Up: the next bills and debt payments across the checks ahead
• Analyze: a new dashboard with income, expenses, net worth and savings over time
• Edit a bill or paycheck amount as you go, and add an expense to a running budget
CANVAS
Freehand planning with pages, a built-in calculator, and sharing.
ARCHIVE
Every budget you've built, searchable. Open any plan variant and restore it to Home.
CALCULATORS
Redesigned and grouped by what they're for, with a new Currency Converter.
LIBRARY
Guides, articles and video series, and it remembers where you left off. Free on both plans.
ALSO
• New onboarding
• Notifications rebuilt
• New app icon
• Performance work and fixes throughout
The developer, Tinstac LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Tinstac LLC
- Size
- 75.3 MB
- Category
- Finance
- Compatibility
Requires iOS 15.6 or later.
- iPhone
Requires iOS 15.6 or later. - iPad
Requires iPadOS 15.6 or later. - iPod touch
Requires iOS 15.6 or later. - Mac
Requires macOS 12.5 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Thrive Monthly $14.99
- Thrive Annual $89.99
- Copyright
- © 2023-2026 Tinstac, LLC
